PPI Reclaiming successes and failures

matrixpark

Hi all and Martin, Result again. 2010 turned down by HSBC on a ppi credit card claim but it upheld the ppi on my loans 5.5k fast foward nov 2012 reclaim on the credit card 8 weeks in 2,900= result, only used the original template but alterd certain wording , i pasted it on to my m8 he made 6.5 k these last two weeks,if anyone one wants this template just email me at globaltribeuk@yahoo.com, glad to help anyone. Oh and by the way i believe congrats are in order to you and Mrs MSE one the safe arrival of a baby girl, peace love happiness. x

Coffee_addict

Hi all, I have 2 successful ppi claims lloydstsb cc and Barclays cc and a rejection on my lloydstsb loan. All with the help of the forums on here so thank you everyone.

worried48

Coffee_addict wrote: »

Hi all, I have 2 successful ppi claims lloydstsb cc and Barclays cc and a rejection on my lloydstsb loan. All with the help of the forums on here so thank you everyone.

That's interesting. Do you know why you were upheld on the Lloyds CC but rejected on the loan?

[Deleted User]

worried48 wrote: »

Do you know why you were upheld on the Lloyds CC but rejected on the loan?

Banks don't discuss the reasons they uphold complaints, they only detail the reasons for rejection. For this reason it's entirely possible (likely even) that the reasons the OP gave for complaint are NOT the reasons the Bank decided to award redress for.

Note that it does not automatically follow that if one complaint is upheld then others will be too.
Each claim is dealt with on it's own merits (or lack of them).

Coffee_addict

worried48 wrote: »

That's interesting. Do you know why you were upheld on the Lloyds CC but rejected on the loan?

the only difference was that I had said I had gone into branch about a year before to cancell the ppi on cc and was talked out if it. I worked for the NHS so had good sick pay benefits

[Deleted User]

Coffee_addict wrote: »

the only difference was that I had said I had gone into branch about a year before to cancell the ppi on cc and was talked out if it.

Any mis-selling complaint needs to focus on what happened at the time of the original sale. Subsequent attempts by the Bank to make you keep the insurance are not relevant and will have played no part in the Bank's consideration of your concerns.

As I said above, what you actually complained about and the basis on which your complaint was upheld could be two different things!

This is the reason otherwise weak complaints can still be upheld; the Bank's investigation can turn up more serious faults which the complainant may not be aware of or didn't consider.

Well done on your (partial) success.

worried48

JULESSHEW wrote: »

I have had a successful payout from MBNA but just got a rejection letter from sainsburys stating that I took the PPI out over the phone and he is reassured that it would have been explained to me but also stating that the credit card was taken out in 2003 a couple of years before ppi was regulated but a couple of weeks previously someone phoned me and asked me how I took the PPI out and I said I couldnt remember but it wouldn't have been in store.Can they refuse to pay out ? Do they have to give you proof of the phone-call ?

Can someone explain what happened in 2003?

worried48

Coffee_addict wrote: »

the only difference was that I had said I had gone into branch about a year before to cancell the ppi on cc and was talked out if it. I worked for the NHS so had good sick pay benefits

Out of interest (since we were talked into PPI) how did they talk you out of cancelling it? What changed your mind?

hollow333

Hi there, looking for a little help.

Can anyone tell me who I make a Cheque payable to for a Natwest S.A.R.

Many Thanks

[Deleted User]

JULESSHEW wrote: »

the credit card was taken out in 2003 a couple of years before ppi was regulated

worried48 wrote: »

Can someone explain what happened in 2003?

Nothing happened in 2003 relevant to PPI. As JULESSHEW said, he took out the card two years before regulation began in 2005.